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Source: https://www.rfcu.com/resources/information/rates/
Read: 2026-10-22T16:20:54.000Z

Share Certificates | Savings | Checking | Loans | Fixed Rate Mortgages | Adjustable Rate Mortgages (ARM)
Home Equity Lines of Credit | H ome Equity Loans | Existing Member Accounts
Term | Dividend Rate | APY* | Minimum to Earn APY | Compounding
91 Day | 3.45% | 3.50% | $500 | Monthly
5 Month | 3.45% | 3.50% | $500 | Monthly
6 Month | 3.69% | 3.75% | $500 | Monthly
7 Month | 1.98% | 2.00% | $500 | Monthly
9 Month | 3.93% | 4.00% | $500 | Monthly
10 Month | 3.78% | 3.85% | $500 | Monthly
10 Month No Penalty | 3.59% | 3.65% | $500 | Monthly
11 Month | 1.98% | 2.00% | $500 | Monthly
1 Year | 4.07% | 4.15% | $500 | Monthly
14 Month | 4.02% | 4.10% | $500 | Monthly
15 Month | 4.02% | 4.10% | $500 | Monthly
17 Month | 3.78% | 3.85% | $500 | Monthly
17 Month No Penalty | 2.96% | 3.00% | $500 | Monthly
18 Month | 4.17% | 4.25% | $500 | Monthly
20 Month | 1.98% | 2.00% | $500 | Monthly
2 Year | 4.41% | 4.50% | $500 | Monthly
3 Year | 4.65% | 4.75% | $500 | Monthly
4 Year | 2.96% | 3.00% | $500 | Monthly
5 Year | 2.96% | 3.00% | $500 | Monthly
*APY = Annual Percentage Yield effective October 1, 2026. Rates are subject to change.
Product | Dividend Rate | APY* | Minimum to Earn APY | Compounding
High Yield Savings | 3.25% | 3.30% | $1.00 | Monthly
Advantage | 0.10% | 0.10% | $5.00 - $999 | Monthly
0.15% | 0.15% | $1,000 - $9,999 | Monthly
0.20% | 0.20% | $10,000 - $24,999 | Monthly
0.25% | 0.25% | $25,000 - higher | Monthly
Holiday Club | 0.20% | 0.20% | $5.00 | Monthly
Club | 0.10% | 0.10% | $5.00 | Monthly
IRA Money Market | 0.10% | 0.10% | $5.00 - $2,499 | Monthly
0.25% | 0.25% | $2,500 - $9,999 | Monthly
0.50% | 0.50% | $10,000 - $24,999 | Monthly
0.85% | 0.85% | $25,000 - $49,999 | Monthly
1.34% | 1.35% | $50,000 - $74,999 | Monthly
1.93% | 1.95% | $75,000 - $249,999 | Monthly
2.52% | 2.55% | $250,000 - higher | Monthly
Money Market | 0.10% | 0.10% | $5.00 - $2,499 | Monthly
0.50% | 0.50% | $2,500 - $9,999 | Monthly
0.50% | 0.50% | $10,000 - $24,999 | Monthly
0.95% | 0.95% | $25,000 - $49,999 | Monthly
2.18% | 2.20% | $50,000 - $74,999 | Monthly
3.05% | 3.10% | $75,000 - $249,999 | Monthly
3.49% | 3.55% | $250,000 - higher | Monthly
Business Money Market | 0.50% | 0.50% | $1,000 - $9,999 | Monthly
0.50% | 0.50% | $10,000 - $24,999 | Monthly
1.14% | 1.15% | $25,000 - $99,999 | Monthly
2.52% | 2.55% | $100,000 - $249,999 | Monthly
2.71% | 2.75% | $250,000 - higher | Monthly
Member Ownership Share | | | $1.00
*APY = Annual Percentage Yield effective October 1, 2026. Rates are subject to change.
Product | Dividend Rate | APY* | Minimum to Earn APY | Compounding
Premium | 0.10% | 0.10% | $5.00 - $1,499 | Monthly
0.20% | 0.20% | $1,500 - higher | Monthly
Direct Access | 0.10% | 0.10% | $5.00 - higher | Monthly
50 Plus | 0.10% | 0.10% | $5.00 - higher | Monthly
Business Plus Checking | 0.20% | 0.20% | $5.00 - higher | Monthly
IOLTA Checking Account | 2.20% | 2.22% | $0.00 - higher | Monthly
Health Savings Account (HSA)+ | 0.10% | 0.10% | $0.00 - $1,999 | Monthly
0.20% | 0.20% | $2,000 - higher | Monthly
*APY = Annual Percentage Yield effective October 1, 2026. Rates are subject to change.
+ Minimum opening deposit of $1. The Annual Percentage Yield (APY) is accurate as of August 13, 2026. This is a variable rate tiered account, and rates may change after the account is opened. If your balance is between $0 – $1,999.99, the APY is 0.10%. If your balance is $2,000 and above, the APY is 0.20%.
We will finance up to 100% of purchase price, plus warranties and sales tax on new vehicles. Up to 100% of NADA retail on used vehicles. Rates shown represent lowest rates currently available, and are for qualified applicants based on approved credit. More rates are available, based on member’s credit history.
Year | 48 Month APR** as low as | Estimated Payment Per $1,000 | 60 Month APR** as low as | Estimated Payment Per $1,000 | 72 Month APR** as low as | Estimated Payment Per $1,000
2023-2027 (New & Used) | 5.79% | $23.39 | 5.79% | $19.24 | 5.89% | $16.52
2021-2022 (Used) | 5.79% | $23.39 | 5.79% | $19.24 | 5.89% | $16.52
2019-2020 | 5.84% | $23.41 | 5.84% | $19.26 | n/a | n/a
2017-2018 | 6.04% | $23.50 | 6.04% | $19.35 | n/a | n/a
2015-2016 | 6.64% | $23.78 | n/a | n/a | n/a | n/a
Motorcycle - New | 8.50% | $24.65 | 8.50% | $20.52 | n/a | n/a
Motorcycle - Used | 9.50% | $25.12 | 9.50% | $21.00 | n/a | n/a
Product | APR** | Term | Loan Amount | Estimated Payment Per $1,000 3
Personal Loans 4 | 10.00% | up to 48 mos. | min $500/max $10,000 | $25.36
11.00% | 49-60 mos. | min $5,000/max $10,000 | $21.74
12.00% | 61- 84 mos. | min $5,000/max $10,000 | $17.65
Overdraft Line of Credit | 10.90% | Open-end | min $500/max $10,000/daily rate 0.029863 | varies
Classic Visa | 13.90%, max APR of 18.00% | Open-end | min $300/max $10,000 | varies
Platinum Visa | 9.90%, max APR of 18.00% | Open-end | min $7,500/max $10,000 | varies
Secured Share Loan Payments 5 | | | 95% book balance/$1,000 min | varies
Regular share | +3.00% | up to 60 mos. | | $18.01
Certificates | +3.00% | 12 mos. | | varies
Secured Share Single Payment 5 | | | 95% book balance/$1,000 min | varies
Regular share | +3.00% | up to 60 mos. | | varies
Certificates | +3.00% | up to 60 mos. | | varies
Recreational Vehicles | 10.90% | up to 60 mos. | 80% of purchase price for new 70% of median value for used min $2,500/max $20,000 | $21.69
5 Example: the APR for a loan secured by a regular share account earning .10% APY would have an APR of 3.10%. For the Single Payment Secured loan, calculate the representative APR based on the Regular Share or Certificate current APY + 3.00%.
HELOC Program 6 | Term | Current Rate | APR 7 , 8 | Floor Rate
Home Equity Line of Credit (HELOC) | 30 Years | Prime minus 0.500% | Prime minus 0.500% | 3.000%
6 All rates are subject to change without notice. Membership eligibility applies. Subject to Arise Financial underwriting approval standards. Minimum loan amount is $25,000. Maximum loan amounts are as follows: $250,000 for a 1-2 unit primary residence with a maximum combined loan to value (CLTV) of 80%; $500,000 for a 1 unit primary residence with a maximum CLTV of 75%; $250,000 for a 3-4 unit primary residence with a maximum CLTV of 75%; $250,000 for a 1 unit second home with a maximum CLTV of 80%. A $50 annual fee will be charged during the draw period. Property insurance is required and Flood Insurance may be required. If the HELOC is closed within 36 months from the date of the closing, the member will be required to reimburse Arise Financial for all third party fees. Third party fees vary between $475.03-$952.06. Additional fees in the amount of $355 will be required if the property is held in a trust. Properties for sale or intended to be sold within the next 6 months are not allowed. Call us for current rate and terms.
7 APR for HELOCs are variable and are subject to change monthly based on the Wall Street Journal Prime Rate, which is currently 7.000%. The maximum rate is 18.00% APR, the minimum or “Floor” rate is 3.000%. The term is based on a 10 year draw period and a 20 year repayment period.
HELOAN Program 10 | Term | Rate | APR 9 | # of Monthly Payments | Estimated Payment Per $1,000 Borrowed
80% Combined Loan to Value (CLTV) | 60 Months | 6.375% | 6.375% | 60 | $19.51
80% Combined Loan to Value (CLTV) | 120 Months | 6.625% | 6.625% | 120 | $11.42
80% Combined Loan to Value (CLTV) | 180 Months | 6.875% | 6.875% | 180 | $8.92
80% Combined Loan to Value (CLTV) | 240 Months | 7.125% | 7.125% | 240 | $7.83
80% Combined Loan to Value (CLTV) | 360 Months | 7.375% | 7.375% | 360 | $6.91
80% Combined Loan to Value (CLTV) | 60 Months | 6.750% | 6.750% | 60 | $19.68
80% Combined Loan to Value (CLTV) | 120 Months | 7.000% | 7.000% | 120 | $11.61
80% Combined Loan to Value (CLTV) | 180 Months | 7.250% | 7.250% | 180 | $9.13
80% Combined Loan to Value (CLTV) | 240 Months | 7.500% | 7.500% | 240 | $8.06
10 All rates are subject to change without notice. Membership eligibility applies. Payments do not include taxes and insurance. Your payment may be greater. Subject to Arise Financial underwriting standards. Minimum loan amount is $25,000. Maximum loan amounts are as follow: $500,000 for a 1 unit primary residence with a maximum CLTV of 80%; $250,000 for a 2 unit primary residence with a CLTV of 80%; $250,000 for a 3-4 unit primary residence with a maximum CLTV of 75%; $250,000 for a 1 unit second home with a maximum CLTV of 80%. Property insurance is required and Flood Insurance may be required. Additional fees in the amount of $355 will be required if the property is held in a trust. Properties for sale or intended to be sold within the next 6 months are not allowed. Call us for current rate and terms.
Product | Rate with 20% down | Points | APR** | # of Monthly Payments | Monthly Payment per $1,000 borrowed
30 Year Fixed Rate - Conforming MoveUp Home Loan 12,13 | 7.375% | 0.000 | 7.429% | 360 | $6.91
30 Year Fixed Rate - Conforming 12 | 7.250% | 0.000 | 7.303% | 360 | $6.82
20 Year Fixed Rate - Conforming 12 | 7.125% | 0.000 | 7.192% | 240 | $7.83
15 Year Fixed Rate - Conforming 12 | 7.000% | 0.000 | 7.082% | 180 | $8.99
10 Year Fixed Rate - Conforming 12 | 6.875% | 0.000 | 6.988% | 120 | $11.55
30 Year Fixed Rate - Jumbo 12 | 7.125% | 0.000 | 7.176% | 360 | $6.74
20 Year Fixed Rate - Jumbo 12 | 7.000% | 0.000 | 7.066% | 240 | $7.75
15 Year Fixed Rate - Jumbo 12 | 6.875% | 0.000 | 6.954% | 180 | $8.92
10 Year Fixed Rate - Jumbo 12 | 6.750% | 0.000 | 6.861% | 120 | $11.48
12 Conforming fixed rates above are based on a loan amount of $820,000, 1-unit, primary residence, purchase with a loan to value of 80% or less for a 60-day rate lock period. Rates may vary based on other scenarios. Jumbo fixed rates above are based on a loan amount of $832,751 for 1-unit, primary residence, purchase with a loan to value of 80% or less for a 60-day rate lock period. Rates may vary based on other scenarios.
Product | Description | Initial Interest Rate | Points | Fully Indexed Rate | APR** | Term | Monthly Payment per $1,000 borrowed
5/6 ARM - Conforming 11 | Up to $832,750 | 6.000% | 0.000 | 6.500% | 6.347% | 360 | $6.00
5/6 ARM - Jumbo 11 | $832,751 to $2,000,000 | 6.125% | 0.000 | 6.500% | 6.397% | 360 | $6.08
7/6 ARM - Conforming 11 | Up to $832,750 | 6.250% | 0.000 | 6.500% | 6.417% | 360 | $6.16
7/6 ARM - Jumbo 11 | $832,751 to $2,000,000 | 6.250% | 0.000 | 6.500% | 6.417% | 360 | $6.16
10/6 ARM - Conforming 11 | Up to $832,750 | 6.875% | 0.000 | 6.500% | 6.801% | 360 | $6.57
10/6 ARM - Jumbo 11 | $832,751 to $2,000,000 | 6.875% | 0.000 | 6.500% | 6.801% | 360 | $6.57
11 Adjustable Rate Mortgage Rates are based on a 1-unit, primary residence, purchase or rate and term with a loan amount of $820,000 for Conforming or a loan amount of $832,751 for Jumbo , a loan to value of 80% or less for a 60-day rate lock period. Rates may vary based on other scenarios. High Balance County loan limits may be restricted. All rates subject to change without notice. Subject to credit approval. The interest rate on adjustable rate programs may increase after the initial period. The fully indexed rate is equal to a margin plus the index. Please ask us about the current index and margin for these products. The adjustable rate programs are based on a 30 year term.